Bankmiami
Coral Gables, FL · Cert 59354 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
$317.9MAssets
$99.4MLoans
$280.8MDeposits
$34.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: efficiency ratio trails 96% of banks under $1B in assets (rank 602 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
-0.58%
Rank 594 of 629
Net Interest Margin
2.17%
Rank 593 of 629
Efficiency Ratio
125.26%
Rank 602 of 629
Equity / Assets
10.99%
Rank 288 of 629
Non-interest income vs. expense
Unfavorable gap of $8.0M · efficiency ratio beats 4% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.58% | 0.60% | 1.01% | 1.45% | Beats 6% | 594 / 629 | |
| Return on Equity | -5.27% | 5.38% | 9.30% | 13.28% | Beats 5% | 598 / 629 | |
| Net Interest Margin | 2.17% | 3.03% | 3.54% | 4.05% | Beats 6% | 593 / 629 | |
| Efficiency Ratio | 125.26% | 58.35% | 67.79% | 79.08% | Beats 4% | 602 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 28.79% | 11.24% | 13.84% | 18.77% | Beats 86% | 85 / 629 | |
| Total Risk-Based Capital Ratio | 29.73% | 11.58% | 14.43% | 19.66% | Beats 87% | 84 / 629 | |
| Equity / Assets | 10.99% | 9.09% | 10.65% | 13.80% | Beats 54% | 288 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 35.39% | 67.24% | 80.90% | 93.48% | 5th pctl | 565 / 594 | |
| Loans / Assets | 31.27% | 53.31% | 67.71% | 78.15% | 12th pctl | 556 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |